legal
Last updated: May 2026
By accessing and using CalcHubb ("the Site"), operated at calchubb.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these terms, please do not use the Site.
You must be at least 13 years of age to use CalcHubb. If you are under 18, you may use the Site only with the involvement of a parent or guardian. By using the Site, you represent and warrant that you meet these eligibility requirements.
CalcHubb provides free online financial calculators for informational and educational purposes only. Our calculators produce estimates based on the data you input and general financial formulas. The Site is provided "as is" and "as available" without warranties of any kind.
The information provided by CalcHubb does not constitute financial, tax, legal, or investment advice. Calculator results are estimates and may not reflect your actual financial situation. Always consult with qualified professionals (financial advisors, CPAs, attorneys) before making financial decisions.
While we strive to maintain accurate and up-to-date financial data (tax rates, interest rates, etc.), we cannot guarantee that all information is current or error-free. Tax laws, rates, and financial regulations change frequently. Users should verify important calculations with authoritative sources.
CalcHubb displays third-party advertisements through Google AdSense. These ads are served by Google and its advertising partners. The content of advertisements is not endorsed, reviewed, or controlled by CalcHubb. We are not responsible for the accuracy, content, or availability of products or services advertised on our Site.
Ad revenue helps us keep CalcHubb free for all users. Clicking on ads is entirely voluntary and at your own discretion.
To the fullest extent permitted by applicable law, CalcHubb and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of our calculators or reliance on any results produced by them. This includes, without limitation, damages for loss of profits, data, or other intangible losses. You use our tools at your own risk.
You agree to indemnify, defend, and hold harmless CalcHubb, its operators, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of a third party.
All content on CalcHubb, including text, graphics, logos, icons, and software, is the property of CalcHubb and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.
You agree not to:
The Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. Accessing third-party links is at your own risk.
We reserve the right to terminate or suspend your access to CalcHubb at any time, without prior notice or liability, for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use the Site will immediately cease.
We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated revision date. Continued use of the Site after changes constitutes acceptance of the updated terms. We encourage you to review these Terms periodically.
CalcHubb's calculators use financial formulas and data sourced from official US government agencies including the Internal Revenue Service (IRS), Federal Reserve Economic Data (FRED), Bureau of Labor Statistics (BLS), Social Security Administration (SSA), and the US Census Bureau. While we update our data regularly, financial regulations, tax brackets, interest rates, and economic indicators change frequently.
Specific limitations of our calculator results include:
If you submit feedback, calculator suggestions, bug reports, or other content to CalcHubb through our contact form or email, you grant us a non-exclusive, royalty-free, perpetual, and irrevocable right to use, modify, and incorporate that feedback into our services without obligation to you. We will not publicly attribute submissions without your consent.
We strive to keep CalcHubb available 24/7 but do not guarantee uninterrupted access. The Site may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control. We are not liable for any loss or inconvenience caused by the Site being temporarily unavailable.
Automated access to CalcHubb, including but not limited to scraping, crawling (beyond standard search engine indexing), or programmatic access to our calculators, is prohibited without prior written permission. Any authorized API usage is subject to:
Violation of these restrictions may result in immediate termination of access and potential legal action.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.
Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us at legal@calchubb.com. We will attempt to resolve the dispute informally within 30 days. If the dispute is not resolved within 30 days, either party may proceed with formal legal action.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect. The invalidity of one provision does not affect the validity of any other provision.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and CalcHubb regarding your use of the Site. These Terms supersede any prior agreements, communications, or understandings, whether written or oral, relating to the subject matter herein.
You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign these Terms at any time without notice to you. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties and their respective successors and permitted assigns.
For questions about these Terms of Service, legal inquiries, or to report violations, please contact us:
We aim to respond to all legal inquiries within 5 business days.